The calculation formula of personal actual loan (the lower value is the actual loan amount) is 1. The loan amount is not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of provident fund = (borrower's deposit balance of provident fund+spouse's deposit balance) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account. 2. Not higher than the loan amount determined according to the loan repayment ability. Loan amount = (sum of the borrower's monthly provident fund contribution/unit and individual contribution ratio+sum of spouse's monthly provident fund contribution/unit and individual contribution ratio) × 45 %× 12 months× loan period.

Legal objectivity:

Regulations on the administration of housing provident fund

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.

Regulations on the administration of housing provident fund

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant;

Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.